Portfolio Refi Proceeds Calculator

Refi proceeds aggregate across portfolio. This calculator sums and projects cash-out.

Portfolio value

Max LTV %

Current loan balance

Total closing costs

Net proceeds

$5,300,000

Gross proceeds

$58,500,000

Additional vs current loan

$6,500,000

How the math works

Net = (value × LTV) − current loans − closing costs.

Portfolio refis are major events. Budget 2-3% of proceeds in closing costs plus 6-9 month process timeline. Coordinate across assets to optimize pricing.

How to Use

Enter portfolio value.
Enter max LTV.
Enter current loan balance.
Enter total closing costs.
Read aggregate proceeds.

Frequently Asked Questions

Stagger refis?

Spread refinancing across years to reduce rate concentration risk. A 5-year portfolio with 20% refinancing annually absorbs rate shocks better than one with 80% refinancing in a single year.

Cash-out timing?

Refinance in value-peak periods. Wait out spread-widening regimes. Portfolio refinance during a rate trough can fund 2-3 years of distributions or growth capex.

Allocation?

Proceeds from strong assets should fund weak assets' operational gaps or contribute equity to distressed recaps. Portfolio-level reallocation amplifies returns vs. per-asset cash-out.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.